Business Details
Expert Mortgage & Financial Planning Services in Southampton
Pure Mortgage & Financial Planning has been providing expert mortgage and financial advice for over three decades. Our dedicated team of professionals works closely with clients to deliver tailored solutions that align with their unique financial goals. With access to a comprehensive panel of lenders, we ensure our clients receive impartial guidance and competitive products. Our commitment to transparency, integrity, and long-term client relationships underpins every service we offer. As an appointed representative of PRIMIS Mortgage Network, we adhere to rigorous regulatory standards set by the Financial Conduct Authority. Our clients benefit from a personalized approach, with advisers who take the time to understand individual circumstances and provide ongoing support throughout their financial journey.Testimonials consistently highlight our professionalism, expertise, and ability to navigate complex mortgage scenarios. We pride ourselves on demystifying financial planning and making the process accessible, whether clients are first-time buyers or seeking advanced estate planning solutions. Our track record of repeat business and referrals reflects the trust we have built within the community. We remain committed to evolving our services while maintaining the personal touch that has defined our practice since inception.
Services
Residential Mortgages
Re-mortgages
Buy-to-Let Mortgages
Self Build
Bridging Loans
Protection Plans
Home Insurance
Wills & Trusts
Family Income Protection
Permanent Health Insurance
Highlights and features
- We offer over 30 years of mortgage and financial services experience
- Our advisers provide personalized guidance tailored to individual circumstances
- We work with a comprehensive lender panel for competitive market access
- FCA regulated for your protection and service quality assurance
- Proven track record of successful mortgage completions and client retention
Associations and certifications
- Financial Conduct Authority
What people say
Brilliant
Invaluable help
Excellent adviser
Very professional
Huge help
Services
Residential Mortgages
We provide expert guidance on residential mortgage solutions tailored to individual circumstances. Our FCA-regulated advisers help clients navigate first-time purchases, property upgrades, and equity releases. With access to a comprehensive lender panel, we secure competitive rates while ensuring full compliance with UK regulatory requirements.
Buy-to-Let Mortgages
Our specialists assist property investors with buy-to-let mortgage arrangements. We offer market insights on rental yield optimisation and portfolio diversification. The service includes tax-efficient structuring advice and access to specialist lenders catering to both novice and experienced landlords across southern England.
Re-mortgages
We help clients reduce monthly payments or release equity through strategic re-mortgaging. Our process includes detailed market analysis, exit fee calculations, and seamless transition management. Clients benefit from our expertise in negotiating competitive rates while maintaining regulatory compliance throughout the process.
Self Build Mortgages
Specialist financing solutions for self-build projects with staged payment structures. Our advisers coordinate with builders and architects to ensure funding aligns with construction timelines. We provide guidance on land acquisition financing and planning permission requirements for bespoke residential developments.
Bridging Loans
We arrange bridging loans for property transactions requiring swift completion. The service caters to chain break scenarios, auction purchases, and business asset acquisitions. Our network includes specialist lenders offering flexible terms with transparent fee structures for both residential and commercial applications.
People
Richard
Mortgage Adviser
With over 30 years' experience, Richard specialises in mortgage and financial planning solutions. His client-centred approach combines technical expertise with clear communication, ensuring clients understand complex financial products. Testimonials consistently praise his patience, market knowledge, and long-term support.
Questions
What mortgage types do you specialise in?
We specialise in residential, buy-to-let, self-build, and bridging mortgages, along with re-mortgaging solutions tailored to individual circumstances.
Are you regulated by the Financial Conduct Authority?
Yes, we operate as an appointed representative of PRIMIS Mortgage Network, which is authorised and regulated by the Financial Conduct Authority.
Do you charge for mortgage advice?
We charge a fee for mortgage advice and arrangement up to £500, with our typical fee being £325 for standard cases.
How do you handle complex mortgage cases?
Our advisers have extensive experience with complex cases, including non-standard income verification, adverse credit histories, and unique property types.
What areas do you cover?
We primarily serve Southampton and Worthing, with clients across southern England benefiting from our remote consultation capabilities.
Can you help with protection insurance?
Yes, we offer family income protection, permanent health insurance, and other protection products to safeguard your financial commitments.
